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nfcu amex

Chefduane
Frequent Contributor

Re: nfcu amex

Congrats. I was denied 3 times with scores of 712/721/733 fico8 TU scores. Had to recon a 500 approval todAy and my score is 733, lol yet last month my wife hit instant 4K approval with a 622 fico score. Nfcu scored my wife 285 and me 234, I'd love some insight on their scoring model.
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 11 of 14
RootDet
Frequent Contributor

Re: nfcu amex

Congrats to her!  Your time will come very soon. I think just get that util % down and you will be golden.



Message 12 of 14
c00mtg
Valued Contributor

Re: nfcu amex


@Chefduane wrote:
Congrats. I was denied 3 times with scores of 712/721/733 fico8 TU scores. Had to recon a 500 approval todAy and my score is 733, lol yet last month my wife hit instant 4K approval with a 622 fico score. Nfcu scored my wife 285 and me 234, I'd love some insight on their scoring model.

Yeah, it is not always about the scores




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 13 of 14
pizza1
Community Leader
Super Contributor

Re: nfcu amex

Congrats to your DW....Let us know when you get your paperwork in the mail what score model they actually pulled. They have been using fico 09 TU, and they will also let you know your internal score with them.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 14 of 14
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